Specialty Liability Insurance

Professional Liability

General Liability insurance does not protect your business against claims of
professional negligence, or for failure to perform your professional duties.
For this type of coverage, the business will need a separate Professional Liability
policy.

Professional Liability Insurance protects your business against loss from a claim
of alleged negligent acts, errors or omissions in the performance of your professional
services.

The policy normally pays for any resulting judgments against you, including court
costs, up to the coverage limits on your policy.

Employment Practices Liability

Employment practices liability coverage protects an employer against an employee's
claims such as:

The purpose of this insurance is
to protect the corporation, directors, officers and employees from alleged
employment-related wrongful acts. Some features of this policy are Coverage for
front/back pay, attorneys’ fees, compensatory damages, punitive damages where
insurable by law, actual or alleged retaliatory treatment, varying retention's
for class action suits or other claims,
emotional distress or mental anguish, with no purposeful or intentional acts exclusion
or reductions in force or mass layoffs exclusion.*

Most organizations have a general liability policy that protects its directors
and officers against negligent acts that result in bodily injury or property
damage. However, general liability does not protect against alleged wrongful
acts or omissions, including breach of duty, which do not result in bodily
injury.

Directors and officers coverage protects your executives from potential lawsuits
resulting from key decisions or management practices-lawsuits that may target
their personal assets.

A comprehensive Directors & Officers liability policy can provide the following: Insured includes

Crime coverage can extend to those who may have access to your companies
funds:

Employee Dishonesty, Money & Securities

Forgery & Depository

Pollution / Environmental
Liability

Environmental coverage generally falls into two categories. Errors and omissions
coverage, also known as professional liability, protects a professional who
mistakenly designs a facility that causes pollution in some way. Pollution
incident coverage protects professionals on the job in case they cause a pollution
incident by perhaps backing into a sewage pipe.

Policies for environmental consultants
can feature broad coverage specifically tailored to the specific needs of a
professional in the environmental field. Coverage may include pollution incident
and asbestos coverage as well as retroactive coverage for eligible firms.